Union Bank of India logo

Union Bank of India share price

NSE: UNIONBANKBSE: 532477BanksLarge Cap

Face value ₹10 · Listed Sep 2002
Last close ₹182.98down ₹1.62 (0.88%)BSE ₹182.00

Share price at the NSE close on 28 Oct 2026. Previous close ₹184.60.

28 Oct: open ₹182.76, high ₹183.27, low ₹180.60

52-week range of traded prices to 28 Oct 2026
₹140.80Low, 30 Oct 2025₹205.49High, 27 Feb 2026
Market cap
₹1,39,680 Cr75th largest listed
P/E
6.35
P/B
0.97
Dividend yield
2.73%
ROE
16.3%
NIM
2.67%
Gross NPA
2.42%
Net NPA
0.42%
CET1
16.05%
ROA
1.25%
Volume, NSE
90,24,91262.2% delivered

Union Bank of India share price chart

Daily closes since Jan 2007, adjusted for splits and bonuses

+24.4%over a year · Nifty PSU Bank +0.6% · Nifty 500 −8.8%

ResultsDividend20-session average 1,57,20,433 shares a day, 48.3% delivered

About Union Bank of India

Union Bank of India is a public sector bank that provides banking products and services to individuals, farmers, small businesses, large companies and public bodies across India.123 It serves them through branches, ATMs, business correspondents (local agents who offer basic banking on the bank's behalf) and digital channels such as its Union ease mobile app.24

It reports its results in 4 segments: treasury, retail banking (which includes digital banking), corporate and wholesale banking, and other banking operations.56 Outside India, it has branches in Dubai's International Financial Centre and in Sydney, and a wholly owned London subsidiary, Union Bank of India (UK) Ltd.7 Its wholly owned Union Asset Management Co. Pvt. Ltd., which launches the schemes of Union Mutual Fund, has assets under management (money it invests for others) of ₹28,029 crore, and the bank holds 25.10% of Star Union Dai-ichi Life Insurance Co. Ltd. and 35% of Andhra Pradesh Grameena Bank.89

It was incorporated in Mumbai in 1919 and nationalised in 1969, and Andhra Bank and Corporation Bank were amalgamated into it with effect from 1 Apr 2020.10 The Government of India owns 74.76% of the bank.2

Union Bank of India key points

Results

  • In the quarter to Sep 2026, net profit was ₹5,537 crore, up 30.31% from a year earlier, and operating profit (profit before provisions and tax) was ₹8,108 crore, up 18.99%.11
  • Net interest income, what the bank earns on loans and investments less what it pays on deposits and borrowings, was ₹10,583 crore in the quarter, up 20.09%.12
  • In the half year to Sep 2026, net profit was ₹10,870 crore, against ₹8,365 crore a year earlier.13
  • On a standalone basis, net profit for the year to Mar 2026 was ₹18,697 crore, up 3.95% from ₹17,987 crore a year earlier.14

Margins, asset quality and capital

  • In the quarter to Sep 2026, net interest margin (net interest income as a share of earning assets) was 2.86%, return on assets (yearly profit as a share of total assets) 1.38% and return on equity (profit as a share of shareholders' funds) 17.21%.15
  • At the end of Sep 2026, gross non-performing assets (loans whose repayments have stopped) were 2.42% of loans and net non-performing assets, after provisions, 0.42%; the provision coverage ratio (money set aside against these loans, as a share of them) was 95.20%.16
  • The bank's capital adequacy ratio, capital held as a share of the bank's loans and other assets weighted by their risk, was 17.94%, and the core equity ratio (CET-I) was 16.05%.17

Loan book and deposits

  • Loans by segment, ₹ crore1819
    ItemSep 2026Sep 2025
    Retail2,65,3232,38,506
    Agriculture1,89,8101,68,405
    MSME (micro, small and medium enterprises)1,80,3941,47,395
    All loans, India and overseas11,55,8769,75,207
  • Home loans were ₹1,14,276 crore, 43.07% of retail loans, and vehicle loans ₹31,613 crore, 11.91%.20
  • Global deposits (India and overseas) were ₹13,19,455 crore at the end of Sep 2026, against ₹12,34,621 crore a year earlier; current and savings accounts (CASA, the lowest-cost deposits) were 34.93% of domestic deposits, against 32.56%.1921
  • The bank's green finance portfolio was ₹37,435 crore at the end of Mar 2026, including ₹33,572 crore lent to renewable energy.22

Branches and reach

  • At the end of Sep 2026, the bank had 8,713 branches, 8,815 ATMs, 28,654 business correspondent points and 74,106 employees.2324
  • Of its branches, 30% are in rural areas, 30% in semi-urban areas, 20% in urban areas and 20% in metro centres.24

What the company expects

  • In its presentation of 19 Oct 2026, the company said its board had approved a capital plan of ₹8,000 crore for the year to Mar 2027: ₹3,000 crore of equity and ₹5,000 crore of capital bonds (bonds that count towards its regulatory capital).25
  • On its earnings call of 15 Jul 2026, the company said it expects loans to keep growing at 12% to 13% or more, with deposit growth in a similar range, about 2% lower.26
  • The company stated in its annual report for the year to Mar 2026 that its Union Bank @2031 plan aims for a CASA ratio of 38% and a cost-to-income ratio (operating costs as a share of income) below 45%.27
  • The company said its Union Bank @2031 plan also aims to double its MSME business and reach a return on assets of 1.50%.28

Recent events

  • On 6 Oct 2026, S&P Global Ratings reaffirmed the bank's issuer credit rating at BBB with a stable outlook.29
  • The bank's Dubai International Financial Centre branch issued $300 million of 5.230% notes due 2029 and $300 million of 5.417% notes due 2031, which Fitch rated BBB- on 27 Aug 2026.30
  • On 20 Mar 2026, the bank accepted bids of ₹3,000 crore for long-term bonds for infrastructure and affordable housing at a coupon of 7.16%, against bids of ₹9,379.82 crore.31

Results

Consolidated; ₹ crore. Total income is interest earned plus other income, fees and treasury gains among it.Union Bank of India quarterly results

Total income growth, 12 months
+0.3%
Net profit growth, 12 months
+19.0%

Quarter to Sep 2026, against the quarter before

Total income
₹33,471 Crup 2.48%
Net profit
₹5,781 Crup 2.47%

Total income by quarter

₹31,749 CrDec 24₹34,092 CrMar 25₹32,344 CrJun 25₹32,215 CrSep 25₹32,002 CrDec 25₹32,675 CrMar 26₹32,660 CrJun 26₹33,471 CrSep 26
Peak total income ₹34,092 Cr, quarter to Mar 2025; lowest ₹31,749 Cr, quarter to Dec 2024

Net profit by quarter, a loss in red

₹4,623 CrDec 24₹5,011 CrMar 25₹4,428 CrJun 25₹4,426 CrSep 25₹5,073 CrDec 25₹5,504 CrMar 26₹5,642 CrJun 26₹5,781 CrSep 26
₹ croreDec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Total income31,74934,09232,34432,21532,00232,67532,66033,471
Net profit4,6235,0114,4284,4265,0735,5045,6425,781
Consolidated. The last eight quarters. The latest is shaded. Net profit is the whole group's, the other owners of its subsidiaries included; P/E and ROE use the company's own share.

Business segments

Share of revenue, year to Mar 2026, consolidated.Segment revenue and profit

  • Retail Banking Operations₹47,574 Crup 5.50%38.4%
  • Corporate/Wholesale Banking Operation₹44,379 Cr35.8%
  • Treasury Operation₹30,107 Crdown 8.34%24.3%
  • Other Banking Operations₹1,745 Crdown 29.19%1.4%
The pill is the change in revenue on the year before; the share is of all the businesses together.

Valuation

Today, against the company's own history.Union Bank of India PE ratio and valuation

Price to earnings

At or below today's level on 48% of 1,239 trading days over the last 5 years.

LowestHighest
Its median6.40Industry median8.04
Price to book

At or below today's level on 70% of 1,199 trading days over the last 5 years.

LowestHighest
Its median0.88Industry median0.86
Dividend yield

At or below today's level on 75% of 2,449 trading days over the last 10 years.

LowestHighest
Its median0.00%Industry median2.62%

Where the return came from

Yearly rates to Mar 2026, per-share figures restated for splits and bonuses.

OverReturn a yearEarnings growthChange in P/EDividend yield
1 year+33.2%+7.7%+20.8%3.0%
3 years+38.2%+26.9%+6.5%3.1%
5 years+40.7%+41.6%−3.3%3.7%
Return is price growth plus the average dividend yield. Change in P/E is (1 + price growth) / (1 + earnings growth) - 1, so the parts compound rather than add.

Shareholding

Per cent of the company's shares, from the filing for Sep 2026.Union Bank of India shareholding pattern

Shareholding by group

  • Promoters74.76%
  • Foreign institutions9.40%
  • Indian institutions11.64%
  • Individuals and others4.20%
Holder
PRESIDENT OF INDIAPromoter74.76%
LICI ULIP-GROWTH FUNDInsurance companies4.14%
Holders are named in the company's own words: an insurer's holding can carry one of its funds' names. Mutual funds are left out here and listed fund by fund below.

Since Jun 2026: promoters unchanged, foreign institutions +0.77 pts, Indian institutions −0.34 pts, mutual funds +0.70 pts.

Mutual fund holdings

212 funds disclosed a holding for Sep 2026. What they did in Sep 2026, against each fund's month before. 148 of the 159 funds that added or cut are index funds, ETFs or arbitrage funds: an index fund or ETF holds what its index holds, and an arbitrage fund holds the share against a sale of its future. 1 more fund filed its first portfolio on record, holding it.All 212 funds holding Union Bank of India

Bought for the first time
2
Bought again
3
Added
82
Cut
77
Held unchanged
47
Sold out
4
Portfolios disclosed for Sep 2026. Weight is the holding as a share of the fund's assets.

Promoter and insider buying and selling

Trades made since 29 Oct 2025.Union Bank of India insider trading

No promoter, director, key manager or employee bought or sold on the market.

  • Others: no market trade · 3 pledge filings of unclear kind
Bought and sold count trades on the market only. A pledge is shares given to a lender as security for a loan; a lender invokes it by selling them.

Union Bank of India competitors and peers

Public Sector Bank, 12 listed companies, priced on 28 Oct 2026. The table lists the 8 companies closest to Union Bank of India in market cap.Finance companies

Where the company sits among the companies nearest its size

Return on equity across, P/E up, size is market cap
Company
State Bank of India logoState Bank of IndiaSBIN8,83,20010.241.44+6.6%+8.5%15.4%1.11%2.84%1.81%
Punjab National Bank logoPunjab National BankPNB1,38,2726.050.86+2.9%+34.2%15.1%0.95%2.40%2.49%
Bank of Baroda logoBank of BarodaBANKBARODA1,19,883–0.72+2.7%––0.98%2.83%3.67%
Indian Bank logoIndian BankINDIANB1,13,1188.561.30+12.4%+17.2%16.1%1.25%3.07%2.17%
Canara Bank logoCanara BankCANBK1,06,8705.240.83−6.8%+17.7%16.8%0.99%2.21%3.56%
Bank of Maharashtra logoBank of MaharashtraMAHABANK61,4947.681.65+16.6%+31.5%23.3%1.76%3.83%2.75%
Bank of India logoBank of IndiaBANKINDIA60,5054.840.64+9.1%+29.7%14.1%0.92%2.47%3.50%
Indian Overseas Bank logoIndian Overseas BankIOB55,8838.391.39+14.2%+51.3%17.9%1.25%3.17%0.00%
Market cap in ₹ crore. Growth is the last twelve months against the twelve before. A figure is left empty where it would rest on a loss or the company has under a year of results on record. ROE is the shareholders' profit over their net worth. ROA is the year's profit over average total assets. NIM is net interest income over average loans and investments. Income growth is the growth of everything the company earns: interest, fees, premiums and the rest.

Dividends

Per share, by the year it was paid for, and the latest payments.Union Bank of India dividend history

Dividend per share, ₹, restated for later splits and bonuses

Mar 17Mar 18Mar 19Mar 20Mar 211.9Mar 223Mar 233.6Mar 244.8Mar 255Mar 26
Highest ₹5.00 a share, year to Mar 2026.
Ex-dateTypePer share
3 Jul 2026Final₹5.00
25 Jul 2025Final₹4.75
19 Jul 2024Final₹3.60
28 Jul 2023Final₹3.00
22 Jun 2022Final₹1.90
17 Jun 2016Final₹1.95
Latest payments, as declared, by ex-date.

Latest announcements

Routine notices left out.Union Bank of India announcements

Union Bank of India share price by year

Each calendar year to 2025.Union Bank of India share price history

YearClose at year endChangeHighest closeLowest close
2025153.76+27.7%156.29101.25
2024120.37+1.1%170.00108.24
2023119.10+48.1%128.3061.60
202280.40+85.3%94.3033.75
202143.40+37.6%54.0529.50
202031.55−42.4%55.1522.85
201954.80−36.2%98.8049.00
201885.90−40.5%148.9062.15
2017144.30+17.2%190.50125.55
2016123.10−17.2%157.10105.35
₹ per share, adjusted for splits and bonuses since. Change is on the close at the end of the year before.

Recent sessions

The 9 trading days to 27 Oct 2026, as traded on NSE; the latest is at the top of the page.

DateOpenHighLowCloseAverage priceVolumeDelivery
27 Oct 2026182.66185.42181.57184.60183.252,03,59,16155.7%
26 Oct 2026178.30181.94177.30181.20180.571,43,49,42252.4%
23 Oct 2026183.00183.59177.66178.90179.471,22,19,52952.6%
22 Oct 2026182.95185.54180.20182.85182.392,50,73,58550.6%
21 Oct 2026182.00186.00180.11182.00182.542,14,67,85134.1%
19 Oct 2026172.90182.99172.42180.70179.114,58,83,93029.0%
16 Oct 2026173.79174.10170.74171.68172.191,90,59,19356.6%
15 Oct 2026174.87174.87167.50172.68171.531,70,76,67243.5%
14 Oct 2026172.58175.25170.49174.00173.002,39,06,31254.4%
Prices in ₹ per share as traded, not adjusted.

Price adjustments

What the price chart is corrected for, so it reads as one share held throughout.

Ex-dateEventPrice factorWhat happened
25 Oct 2017Price move–Between two trading sessions the price moved by a fifth or more. At least 3 other companies in the same industry moved as much the same way that session. Not adjusted for.
Each event is noted and not adjusted for.

Company details